• Material damage to property (excluding motor)
• Consequential loss following material damage
• Liabilities towards third parties
• Death / disablement and bodily injuries
• Motor vehicles

• Fire
• Buildings combined
• Office content
• Business interruption
• Accounts receivable
• Theft
• Money
• Glass
• Fidelity
• Goods in transit
• Business all risks
• Accidental damage

• Public liability
• Employers’ liability
• Stated benefits
• Group personal accident
• Machinery breakdown
• Motor
• Electronic equipment
• Motor traders-internal risk
• House-owners
• Motor traders-external risk
• Deterioration of stock 

These niche products safeguard your practice, guesthouse or agricultural interests against unfortunate losses or damage.

The products for medical and legal practitioners provide cover for, among others, the general content of the practice, theft of stock or documents, fire extinguishing charges, electronic equipment kept at the premises as well as loss following interruption of or interference with the business as a result of damage at the premises.

• Burst water tanks and water pipes
• Damage caused by refrigerant fumes
• Accidental damage to sanitary ware
• Deterioration of stock
• Contagious and/or infectious illness or quarantine
• Murder
• Suicide and food poisoning
• Shark attack
• Forfeiture of a liquor license.

Developed to suit farmers’ unique needs, the agricultural policy includes specific sections relevant to farming such as crop and livestock. If guesthouse facilities are available on the farm, tailor-made cover is available for that part of the business operations as well: